Category: Risk Management


Are you covering your volunteers correctly?
October 6, 2021

Are you covering your volunteers correctly?

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Are you covering your volunteers correctly? Volunteers are the life and blood of many charitable organisations, but are you looking after them as you should be – and could you be leaving your charity exposed by not doing so? Under the Employer’s Liability (Compulsory Insurance) Act 1969, all employers are required by law to insure…

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Top 6 tradesman insurance claim types
October 4, 2021

Top 6 tradesman insurance claim types

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Top 6 tradesman insurance claim types   1. Damage to property Property damage from work carried out by a employees and subcontractors come in many different forms, such as a gardener felling a tree that falls on to a property and damages it, a plumber fitting pipework that springs a leak, or an electrician installing…

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What effect is Covid having on the hard market?
August 26, 2021

What effect is Covid having on the hard market?

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What effect is Covid having on the hard market? It is well established that the insurance market is in a period of hardening. Experts within the industry have been analysing the forces at play and the phrase ‘perfect storm’ has been used to signify what is a uniquely challenging set of pressures affecting the market.  …

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Key Person Cover
August 24, 2021

Key Person Cover

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Key Person Cover Protect your biggest asset – your staff.    Are there people within your business who are key to driving its profits, performance, technology and new sales? Is this person you? Every successful business relies on a team of key employees to enable it to thrive. This means that the loss of one…

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Summer Newsletter 2021
August 13, 2021

Summer Newsletter 2021

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Welcome to our summer newsletter 2021!   The Insurance Market   While the rollout of a Covid-19 vaccine and the slow return to normality in 2021 has buoyed society & the market, there will still be challenges as the economy recovers from the deepest recession in modern history.     In the insurance sector, many…

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The changing regulatory landscape in the  UK and emerging risks
August 5, 2021

The changing regulatory landscape in the UK and emerging risks

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The changing regulatory landscape in the UK and emerging risks Historically, D&O risks were weighted towards securities litigation in North America, with many other territories experiencing a benign claim environment. This has changed in recent years. According to Chubb’s own data, the average large loss cost for D&O policies in the UK has tripled and…

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Why charities need cyber insurance, regardless of size
July 29, 2021

Why charities need cyber insurance, regardless of size

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Why charities need cyber insurance, regardless of their size With all the challenges and changes Covid-19 is bringing, we have seen a sudden and near-total shift to remote working (and now a more measured transition to blended working), and many charities have had to re-examine their existing cyber security practices. In the past year, 20% of charities…

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Whiplash reforms – in place from now
July 27, 2021

Whiplash reforms – in place from now

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Whiplash reforms – in place from now   From the 31st  May new whiplash reforms came into legislation.   WHAT DOES THIS MEAN? Historically, the limit for the Small Claims Track (the route to bring low value claims to court) was £1,000. The reforms will increase this limit to £5,000. This will mean that if…

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Covid-19 related claims
July 14, 2021

Covid-19 related claims

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Covid-19 related claims: A practical guide for employees  Employers’ Liability overview   The responsibility of the employer Employers are responsible for the health and safety of their employees while they’re at work. If a current or former employee was injured or became ill at work, they may believe their employer is responsible and make a claim.…

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Assessing health & safety risks through the pandemic and beyond
July 12, 2021

Assessing health & safety risks through the pandemic and beyond

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Assessing health & safety risks through the pandemic and beyond When changing operations and ways of working, a key part of the decision-making process involves the assessment and management of risks.   During this unprecedented time, it is crucial to carry out suitable and sufficient risk assessments. Organisations must do all they can to keep…

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